Aids: a Psychological Roller-coaster at a Crossroad

The recent XVII International AIDS Conference in Mexico City covered many interesting topics, including up-to-date medical treatments and the impressive increases in programs to address the AIDS calamity in Africa.  Conspicuously absent was any discussion about the psychological vicissitudes experienced by AIDS victims, and their loved ones, in the developed world. In the last twenty-five years, Americans have struggled with the disease both medically and psychologically as AIDS patients have transited from shame through acceptance and on to self-respect. Currently, we stand at a crossroads which will determine if the psychological road ahead will be healthy.

The Early Shame: During the early years of the AIDS pandemic in America, the victims had to endure the humiliation of their illness called “the gay plague.” Even the scientific community initially used the degrading nomenclature of “GRID” for gay related immunodeficiency disease. Well-known figures like Reverend Jerry Falwell said we “needed to return to moral sanity” and not to “favor homosexuals” in medical research. President Ronald Reagan refused to mention the disease for the first six years of his eight-year presidency. The late Senator Jesse Helms passed what is known as “the Helms Amendment” — a law that imposes a travel-ban on people with HIV whether they are tourists or proposed immigrants from coming into the United States. This combined battering was successful in establishing a feeling in many parts of America that “homos got what they deserved” even though there were adequate statistics (and logic) to prove that the virus had no sexual preference. Prior to 1987 it was almost impossible for an AIDS patient not to experience shame.

Acceptance: The Third International AIDS Conference held in June, 1987 in Washington, DC was a psychological turning point for AIDS patients and their families. Over 6,000 policymakers, medical researchers and professionals from fifty countries heard then Vice-President George Bush deliver a non-judgmental opening speech. Keynote speaker and United States Surgeon General C. Everett Koop’s remarks finally emphasized education and acceptance.

Because AIDS had decimated the art world including Hollywood, numerous celebrities began speaking out. Elizabeth Taylor, for example, was clear about her support for friends struggling with AIDS. At the AIDS Conference in Washington, DC, she displayed genuine emotion as she presented Surgeon General Koop with an award for his efforts to promote acceptance of AIDS patients.

By 1989 well-organized protests were erupting. In March, several thousand angry demonstrators organized by Act-Up picketed New York’s City Hall in protest of Mayor Koch’s lack of progress in providing assistance to AIDS patients. Shortly thereafter, Act-Up continued their effective protests at strategic locations, including the New York Stock Exchange and AZT manufacturer Burroughs Wellcome corporate headquarters. This particular demonstration resulted in the pharmaceutical giant’s reduction of AZT’s price by twenty percent. Other protests took place in Montreal, Canada and at San Francisco’s Golden Gate Bridge to commemorate “a day without art” due to the huge numbers of stricken artists.  The result was that the average American saw an angry yet human face on HIV/AIDS as major news networks covered marchers waving banners saying “silence = death.”

AIDS patients watched in awe as HIV positive Mary Fisher spoke at the Republican National Convention in 1992. It seemed unimaginable that the daughter of billionaire, philanthropist Max Fisher and advisor to several presidents would become a vocal and open Republican AIDS activist. Her emotional speech emphasized tolerance and rebuked some members of her party who claimed that HIV/AIDS was a “self-inflicted plague” caused by immoral behavior. A clear feeling of AIDS acceptance had been established.

Self-respect: By 1995, anger and acceptance began to turn into self-respect in the gay community. Gone were the days when actor Rock Hudson hid his illness until the very end. AIDS was no longer thought of as a “gay curse,” and the illness was rapidly spreading to the heterosexual community, mainly poor inner-city neighborhoods. Numerous well-known gay celebrities’ disclosure of their positive HIV status fueled a sense of pride. Four-time Olympic gold medalist, Greg Louganis, considered to be the greatest competitive diver of all time, admitted that he had been “diagnosed” (with HIV) prior to the 1988 Olympic Games in Seoul, Korea.

Concurrently, HIV researchers and infectious disease physicians who had previously been observed with considerable contempt were becoming highly respected.  The transition was complete when AIDS scientist and protease inhibitor pioneer, David Ho, was named Time Magazine’s 1996 “Man of the Year”, which added to a new sense of prideful identity in the HIV world.

The Crossroads: Toward the end of last century, the majority of Americans knew, or knew of, someone who had been stricken with AIDS, and they increasingly exhibited compassion in much the same way as they understood the tragedy of cancer. Fear and hatred began to turn into empathy and a thirst for information gradually replaced discrimination.

Even so, curious and alarming trends began to emerge in the AIDS community. One condition is known as “the Lazarus Syndrome,” named after the biblical figure who returned from the dead. The term, first coined in 1996, referred to relatively young, ill patients who are living longer than they had anticipated. One of the resulting problems is inadequate resources given that they had planned for a shortened life followed by a premature death. Many found themselves financially and emotionally challenged by aborted careers. Newly formed AIDS assistance programs scrambled to address both the financial and psychological repercussions of the changing times. The New York Times Sunday Magazine offered the first insights to the phenomenon on November 10, 1996 in an article titled “When AIDS Ends,” by Andrew Sullivan. It addressed the unprecedented experience in modern times of the end of a plague, during which victims would have contemplated their deaths and adjusted their lives accordingly only to reassess and handle their possible survival. Sixty years ago the father of Existentialism, Albert Camus, described a population’s mindset as it faces death in his book, La Peste (The Plague). Sullivan studied the psychological problems encountered when that condition is at least partially reversed.

In his book, Dry Bones Breathe, the late Eric Rofes analyses a similar condition in a chapter titled “The Protease Moment takes Hold.” He points out how, starting in the late 1990s, national marketing campaigns for new HIV medications showed very healthy, smiling faces atop buffed bodies boasting which medicine they were using. Many AIDS patients were facing a life “beyond AIDS” — a life that no longer would be solely defined by having AIDS. Rofes talks about a “new language” to deal with this condition to which we must add new behaviors. The challenge now is how to ascertain that these new behaviors are as healthy as possible.

Almost every American city has at least one non-profit AIDS assistance program which deals with the vast majority of local AIDS patients. Nowhere is the need to shape this new behavior more important than in these organizations. The programs are more-or-less well funded by a combination of federal and state grants supplemented by private donations from concerned local citizens. Their efforts allow the “clients” (a term which emphasizes self-esteem) to fight housing discrimination, attend support groups and be seen by local health professionals of many disciplines. Most programs also offer some free meals, financial subsidies and, importantly, assistance in obtaining the clients’ monthly supply of very expensive medicines. 

Some agencies encourage clients to become self-sufficient and, when energy levels allow, go back to work. This presents a serious dilemma, however. As clients re-enter the work-force, parts or all of the complex mix of local and federal assistance evaporate. When earned income rises the individual may become largely independent but not prosperous enough to afford the vitally important, hugely expensive medications.

Yet without becoming financially independent, a sense of entitlement is likely to develop. The resulting effect is often diminished self-esteem and restricted mental freedom. Equally dangerous is hiding behind a “disability” and avoiding responsibilities. Even the most mentally and physically healthy people have to force themselves to persevere in times of setbacks.  The most self-assured of us will, on occasion, doubt their convictions but then force themselves to move forward. These people end up growing and become stronger — demonstrating a trait called “resilience”. However, if one is allowed, indeed sometimes encouraged, to “give into” a bad day or piece of problematic news, one runs the risk of killing the survival instinct.

The challenge for AIDS assistance programs is to address these paradoxes on a person-by-person level. Those who can be encouraged to push themselves may well transit from “AIDS victims” to “taking responsibility” for an ailment.  It is critical for mental health counselors to not only explore their clients’ fears and psychological goblins but also to emphasize the individual’s potential in order to promote resilience.

Today’s youth has largely forgotten the devastation of AIDS because they do not face it with nearly the same frequency as did the generation that preceded them. Gay Americans in their twenties and thirties have not lost huge numbers of friends and do not make regular visits to hospitals followed by attending memorial services as the previous generation did. This fortunate condition presents challenges, however. Many youths believe that AIDS is a “manageable disease,” and, consequently, safe sex is no longer an absolute priority. The result is a renewed incidence of HIV transmission in teens as well as seniors. This tragic condition may exist because fewer churches, schools and television commercials address the risks of HIV transmission, and many community organizations no longer encourage open discussions on safe sex.

In a way, we have come full circle. The new American challenge is to enjoy the progress we have made while not losing our focus on how to remain both medically and psychologically healthy. AIDS assistance programs need to sort out their clients various abilities and to encourage them to offer those talents to the community — and to be remunerated for them. Community programs, in turn, urgently need to re-prioritize the importance of educating their constituents in HIV prevention.  If for no other reason, we owe that to the estimated five hundred thousand Americans who died horrible deaths caused by AIDS during the period when many so-called leaders humiliated them.

©2008 Richard René Silvin

Author Bio
Born in New York, from the ages of seven through eighteen, Silvin grew to adulthood within the confines of strict and homophobic Swiss boarding schools. After earning his bachelor’s degree from Georgetown University (1970) and an MBA from Cornell (1972), where he also later lectured and was voted one of the most successful graduates. He spent twenty-five years as a senior executive in a New York Stock Exchange hospital company. There Silvin rose to the head of the international division of American Medical International, Inc., which owned and operated one hundred hospitals in ten countries. René lives with his beloved canine companion, T-Cell, in Atlanta, Georgia, and Palm Beach, Florida. His awards include being a Chevalier (Knight) of the Franco-Britanic Order. He has written numerous articles on hospital management and is listed in Who’s Who in the World (1988), Who’s Who in Finance and Industry, and Who’s Who in Health Care. His book, Walking the Rainbow, is available now from Whitmore Publishing Co.

For more information, please visit http://www.walkingtherainbow.com.

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Get Ready for the Bluetooth Hearing Aid

Technological advancements have gone far and beyond, even grabbing at and improving the once stale hearing aid technology. Hearing aids are the electroacoustic devices worn in or behind the ear to enhance a person\’s hearing. These are designed to amplify and modulate sound, in order to enable hearing in the hearing impaired. These days, apart from aiding the hearing of the hearing impaired, hearing aid technology has fused with Bluetooth technology to come up with the Bluetooth hearing aid. The Bluetooth hearing aid applies the Bluetooth wireless technology to hearing aids by allowing users to take calls using their hearing aids. There is no need to pick up the mobile phone and place the unit near one\’s ears. Placing mobile phone units can sometimes calls irritating feedback and audio interference. This hampers the quality of calls. With the Bluetooth hearing aid, sound emanating from the phone unit is immediately amplified. Likewise, hearing impaired individuals can relish some joys on things we have somehow taken for granted, like listening to the radio or watching television programs. Bluetooth hearing aids can fuse with gadgets equipped with Bluetooth; thereby enabling the enjoyment of their audio and video features. The additional advantage is that this enjoyment comes without the messy wirings. These types of technologically advanced hearing aids enable ease of use and access. Another problem that may be addressed by the Bluetooth hearing aid is the feedback and audio interference issue. With the conventional hearing aids, feedback from radio and phone units is common. A lot of hearing impaired individuals suffer from this daily. Bluetooth enhanced hearing aids may address this issue. While not all models guarantee such enhancement, there are obvious improvements, which make Bluetooth enhanced hearing aids a good investment. So far, only Starkey Labs manufacture Bluetooth technology that can be directly attached into behind the ear hearing aids. This is called the Ear Level Instrument (ELI) DirX, which uses the Europlug Direct Audio Input (DAI) connector. This DAI connector is then attached to the hearing aid, enabling wireless connection to Bluetooth devices within range. The DirX unit is equipped with a microphone that sends the user\’s voice input into to Bluetooth mobile phones. There is an on/ off button on the DirX for making calls. Starkey Labs also offer the neck loop DirX for hearing aids without the facility for DAI connectors. The behind the ear Bluetooth hearing aid costs about 300. The Bluetooth neck loop hearing aid enhancement is also being manufactured by Artone. They call their product the Bluetooth Inductive Neckloop/ Loopset. This unit works with the hearing aid through a telecoil. This product costs about 200. The disadvantage of the neckloop hearing aid option is the cumbersome wiring that comes with it. in a way, the neckloop is an additional accessory attachment and may prove uncomfortable. With the behind the ear hearing aid option, there is low technology adoption because only thirty percent of hearing impaired individuals actually use behind the ear hearing aids. Behind the ear hearing aids are larger and more prominent. A lot more users want the in the ear hearing aids because they are less obvious and fit directly into the ear canal. With no immediate way to adapt Bluetooth into in the ear hearing aids, the use of Bluetooth hearing aids is limited to the thirty percent who use the behind the ear hearing aids. Likewise, there are criticisms that these Bluetooth enhancements are merely adaptors of Bluetooth technology and not actual improvements in the functioning of hearing aids. These critics say that voice and reception quality may not have really improved; and that sometimes sound is even clearer to just bring the phone up next to one\’s ear. Regardless of the critique, Bluetooth technology is a clear enhancement of hearing aids. To enable access to Bluetooth devices with just the hearing aid is a step forward as it is. For the hearing impaired, this can make a lot of functions more easier and more convenient. The technical limitations may be just something we need to live with for now, as specialists further develop the fusion of these two technologies. These technical limitations do not take away from the essence of the technological fusion that, like in all technological advancements, is designed to make life a little bit easier and a little more fun. Hearing impaired individuals can find value and enjoyment in Bluetooth hearing aids, even with these limitations. Likewise, they can look forward to improvements of what is currently available to them – in time and as long as there is the need.

Learn all about Cheap Hearing Aids or look here for the most popular Hearing Aid Reviews.

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Digital Hearing Aids

Digital hearing aids

 There are a lot of digital hearing aids on the market and it can be confusing for new or even existing buyers to know which hearing aid manufacturer is best. Now that older analogue hearing aids have been replaced by digital hearing aids the performance, style and functionality has improved markedly. First time hearing aid users can now be reassured to know that the latest digital hearing aids are small, lightweight and almost invisible hearing aids. There are so many different hearing aid styles to choose from in the ear which places the entire hearing aid into the ear canal and is fitted to the exact contours of the ear. BTE or behind the ear hearing aids are more traditional in design but can offer exceptional performance for more severe hearing loss. RITE receiver in the ear or open ear hearing aids are the latest in digital hearing aid technology that helps with a more comfortable hearing aid fit and great performance for mild to moderate hearing losses and perfect for the first time wearer. Oticon Dual, Oticon Epoq, Phonak Audeo Yes, Resound Dot are all examples of digital hearing aids that use receiver in the ear or open ear technology.

 

Digital hearing aids have developed so much in the last few years with many having the ability to communicate wirelessly with mobile phones, TV’s and computers as well as each other. Oticon hearing aids and Phonak hearing aids are considers leaders in the area of hearing aid binaural processing and hearing aid connectivity. Oticon produces a wide range of hearing aids that now employ Bluetooth connectivity to enable the hearing aids such as Oticon Epoq and Oticon Dual to connect with each other, mbile phones and personal communication assistants. Phonak Exelia, Phonak Versata, Certena and Audeo Yes are part of a growing family of Phonak hearing aids that utilize Bluetooth technology to help the hearing aids communicate with mobile phones and other electronic devices.

 

It is always best to seek professional independent hearing care advice when considering a new digital hearing aid. First see your GP but then look for an independent hearing care retailer who can offer impartial advice on all the latest digital hearing aids from manufacturers such as Phonak hearing aids, Oticon hearing aids, Resound hearing aids.  Your GP may be able to refer you to the audiology department of your local hospital and put you on the waiting list for a hearing aid. The hearing aids available from the NHS are only BTE or behind the ear styles and will not offer the same level of technology as those that are available from private hearing aid dispensers but they will be free. There is a lot of information about digital hearing aids available from the RNID.

 

Always check to see if the hearing care professional can offer a free hearing test and free hearing aid demonstration.

Sooner or later you will get hurt. And if it’s not you, it will be someone in your party. Therefore be smart and self-reliant and always have some medical capability integrated into your systems. Here I cover my first option to do just that, a “Level 1″ First Aid kit of my own construction. Siding with the emphasis on “Mobility”, this kit doesn’t contain supplies to handle every medical emergency. It is designed to handle most of the medical problems I’ve encountered in my adventuring. And at just 5.5 ounces and being very slim in profile, it is designed for high-speed outdoor, backpacking, tactical, or Xootring adventures (to be explained). This Level 1 kit has an emphasis on stopping blood loss, disinfecting wounds, minor pain stoppage, and bandage exchange. Components of the kit and some of the POU involved are explained; your preferences and needs may vary. Additional Level 1 kit items that I sometimes integrate include: sharp REI tweezers, surgical gloves, moleskin, Gorilla-brand duct tape (unless carried elsewhere in system), superglue vials (for wound closure), ACE bandages, salt and/or electrolyte drink mix (to revive dehydrated hikers), needles, and a scalpel. Integration of these items in the desired Level 1 size and weight constraints may be difficult however and is they are needed than maybe portaging a “Level 2″ (more complete) kit would be warranted. I do not use “QuickClot” in a Level 1; too heavy and bulky and not necessary. Compared to even a quality

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Benefits Of Open Ear Hearing Aids

Benefits of open ear hearing aids

There are more and more types and styles of hearing aids available today, as technology becomes more advanced and hearing aid components become ever smaller.

This is a considerable advantage to those with hearing loss and means that however severe the loss, the hearing aid need be nowhere near as large as the hearing aids of past.

There are four main types of hearing aid: Open ear hearing aids, which can also incorporate RITE (receiver in the ear) technology, BTE (behind the ear), ITE (in the ear), and CIC (completely in the canal) digital hearing aids. There are benefits and disadvantages of each type, but the one with the fewest disadvantages is the open ear RITE.

Advantages of open ear hearing aids

There are many advantages of open ear fittings or open ear hearing aids, both from a cosmetic and an audiological point of view, and also a benefit when looking at cost.

Open ear hearing aids, such as those made by Oticon, Phonak, & GN Resound are small, inconspicuous and very light and comfortable. People don’t even know they are wearing them!

The only part of an open ear hearing aid is the part that sits in the ear, which is a small rubbery dome which feeds the sound directly into the ear. It doesn’t need a bulky earmould, so it doesn’t block the ear completely. Conventional hearing aid earmoulds can cause sweating and can also be very uncomfortable. 

Most people with hearing loss can benefit from an open ear hearing aid, but severe and profound losses may find a BTE hearing aid more suitable. If you are concerned about your hearing go for a free hearing test from a local hearing aid dispenser first. He or she will tell you how bad your hearing loss is, and should also offer you a free hearing aid demonstration, and obviously will tell you about hearing aid prices. There are some amazing new digital hearing aids being produced by Phonak, Oticon and GN Resound. Phonak Yes is an amazing new open ear hearing aid, Oticon Dual takes over from Oticon Delta as one of the world’s leading open ear hearing aids.

Open ear hearing aids are beneficial since there are fewer problems with blockages from ear wax. Also, as the ear is left open, it has the chance to ‘breathe’ naturally, thus preventing excessive perspiration.

If you are thinking about getting a hearing aid, you probably want one that is small, that no one can see. Equally important, is that the hearing aid is comfortable and light. Obviously the way your digital hearing aids perform is of paramount importance and that’s why the open ear hearing aids are often the best choice.

Open Ear hearing aid technology has dramatically improved hearing capabilities as well as given vastly improved comfort and discretion and are increasingly becoming the digital hearing aid of choice for many users with all types of hearing losses.

First aid ‘vital’ to Cambridgeshire employers
EMPLOYERS should recognise first aid as a vital element of their corporate social responsibility policy, according to St John Ambulance in Cambridgeshire.
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College Financial Aid FAQ

What is Financial Aid?
Financial aid is monetary aid to help you pay for your college education. Aid is made available from grants, college scholarships, student loans, and part-time employment from federal, state, institutional, and private sources. The types and amounts of aid awarded are determined by financial need, available funds, student classification, academic performance, and sometimes the timeliness of application. What is the FAFSA?
FAFSA stands for Free Application for Federal Student Aid. The FAFSA is the Federal Department of education’s primary application for financial aid and is the gateway form to just about any other federal, state or private grants, college scholarships, student loans or college work study programs. The FAFSA form must be filled out each year between January 1 and March 10th (although some colleges have their own earlier deadlines) and can be completed online or by mail. Four to six weeks after you file the FAFSA (two to four weeks if you filed electronically), you will receive your Student Aid Report (SAR) which will contain a summary of the information you submitted on your FAFSA and presents your Expected Family contributions (EFC) which tells you the amount your family is expected to contribute towards your education. The amount of financial aid is then determined approximately by the tuition of your college subtracted by your EFC.If you do not receive the SAR within a reasonable amount of time, you can call the Federal Processor at 1-319-337-5665. Review the SAR carefully for errors. If necessary, make any corrections on Part 2 of the SAR and return it promptly to the address listed on the form. You will then be sent a new SAR with the changes made. What is the College Scholarship Services Profile (CSS Profile)?
Some colleges also require you to fill out a College Scholarship Services Profile form in addition to the FAFSA. It is a secondary financial aid form that supplies further information about your family income. Be sure to check whether this form is necessary and about specific deadlines with your college directly. What is the difference between a Grant, a Student Loan and a College Scholarship?
A grant is free money from government or non-profit organizations that does not need to be repaid. Grants are usually determined by financial need but can also be influenced by academic merit. Unlike grants, student loans are money loaned from an academic institution, financial institution, or federal government that must be repaid. Like a grant, a student scholarship is free money, but is generally offered through colleges, businesses, private individuals and outside sponsors. Those awarded by the college itself are often called MERIT AID. While grants tend to be issued according to financial need, college scholarships are awarded on a broad-base of criteria, the most common being academic merit. Furthermore, to receive any grants or loans you must complete a FAFSA, however, many scholarships may not require you to complete a FAFSA to be eligible. Instead, you may need to obtain application material directly from the donor of the scholarship. What are the different kinds of grants?
There are federal as well as campus-based (institutional) grants. Federal Grants are free gift money from the Federal Department of Education while campus-based grants are government funds issued directly from your college. The campus-based grants provide a certain amount of funds for each participating school to administer each year. When the money for a program is gone, no more awards can be made from that program for that year, so make sure you find out about the types of grants awarded by each college you are considering as well as their specific deadline.Below are some of the most common grants.Federal Grants

Pell Grants
are considered a foundation of federal financial aid, to which aid from other federal and non-federal sources might be added. Pell Grants are usually only awarded to undergraduate students who have not earned a bachelor’s or a professional degree. The amount you get depends on your financial need, your college’s tuition, your status as a full-time or part-time student and your plans to attend school for a full academic year or less.The Academic Competitiveness Grant is a new grant available to first year college students who graduated from high school after January 1, 2006 or for second year college students who graduated from high school after January 1, 2005. Only students who are eligible for a Federal Pell Grant and who has successfully completed a rigorous high school program as determined by the state or local education agency and recognized by the Secretary of Education. An Academic Competitiveness Grant will provide up to 0 for the first year of undergraduate study and up to ,300 for the second year of undergraduate study for full-time students who are eligible for a Federal Pell Grant.The National Science and Mathematics Access to Retain Talent Grant (AKA the National Smart Grant) is available during the third and fourth years of undergraduate study to full-time students who are eligible for the Federal Pell Grant and who are majoring in physical life, or computer sciences, mathematics, technology, or engineering or in a foreign language determined critical to national security. The student must have also maintained a cumulative grade point average (GPA) of at least 3.0 in coursework required for the major. The National SMART Grant award is in addition to the student’s Pell Grant award.Campus-based Grants The Federal Supplemental Educational Opportunity Grant (FSEOG)
The FSEOG is a campus-based grant aimed at assisting students with exceptional financial need. Pell Grant recipients with the lowest expected family contributions (EFCs) will be considered first for a FSEOG. You can receive between 0 and ,000 a year depending on when you apply, your financial need, the funding at the school you are attending, and the policies of the financial aid office at your school. What are the different kinds of student loans?
A student loan is money that needs to be repaid after you have completed your studies. Generally, interest rates are low- so that you do not rack up as much debt as you would with a credit card or bank loan.There are campus-based loans, which you repay directly to your college, as well as federal loans which you repay either directly to the U.S. government or to your financial institution.Campus-based LoansFederal Perkins Loan
The Federal Perkins loan is a campus- based loan because it is administered directly by the financial aid office at each participating school. In other words, your school is the lender although the loan is made with government funds. Your school will either pay you directly or apply your loan to your school charges. You’ll receive the loan in at least two payments during the academic year. You can borrow up to ,000 for each year of undergraduate study with a maximum of ,000 for your entire undergraduate degree. The amount you receive depends on when you apply, your financial need and the funding level at your school. The Federal Perkins Loan is a low-interest , 5 % loan for students with exceptional financial need. You must repay this loan directly to your school and you have nine months to begin your repayment plan after you graduate. Generally you will make monthly payments to the school that loaned you the money over a 10 year period.Federal LoansThe U.S. Department of Education administers the Federal Family Education Loan (FFEL) Program and the William D. Ford Federal Direct Loan (Direct Loan) Program. Both the FFEL and Direct Loan programs consist of what are generally known as 1. Stafford Loans (for students) and 2. PLUS loans (for Parents).Schools generally participate in either the FFEL or Direct Loan program, but sometimes schools participate in both. For either type of loan, you must fill out FAFSA, after which your school will review the results and will review the results and will inform you about your loan eligibility. You also will have to sign a promissory note, a binding legal document that lists the conditions under which you’re borrowing, and the terms under which you agree to repay the loan. Stafford Loans
Stafford loans are federal loans for students. Eligibility rules and loan amounts are identical under both the FFEL and Direct loan programs, but providers and repayment plans differ. For all Stafford loans first disbursed on or after July 1, 2006, the interest rate is fixed at 6.8 percent. However, you can be considered for a subsidized loan, depending on your financial need, in which the government will pay (subsidize) the interest on your loan while you’re in school, for the first six months after you leave school and if you qualify to have your payments deferred. You might be able to borrow loan funds beyond your subsidized loan amount even if you don’t have demonstrated financial need. In that case, you’ll receive an unsubsidized loan. Your school will subtract the total of your other financial aid from your cost of attendance to determine whether you are eligible for an unsubsidized loan. Unlike a subsidized loan, you are responsible for you’re the interest from the time the loan is disbursed until the time it is repaid in full.After you graduate, you will have a six month ‘grace-period’ before you must begin repayment. During this period of time, you’ll receive repayment information, and you’ll be notified of your first payment due date. You are responsible for beginning repayment on time, even if you don’t receive this information. You will receive more detailed information on your repayment options during entrance and exit counselling sessions provided by your school. Federal Family Education Loan (FFEL)Funds from your FFEL will come from a bank, credit union or other lender that participates in the program. Schools that participate in the FFEL program, will usually have a list of preferred lenders. Student loan borrowers may choose a lender from that list, or choose a different lender they prefer. Your loan money must first be applied to pay for tuition and fees, room and board and other school charges. If money remains, you’ll receive the funds by cheque or in cash.Besides interests, you will pay a fee of up to 4 % of the loan, deducted proportionately from each loan disbursement. For a FFEL Stafford Loan, a portion of this fee goes to the federal government, and a portion goes to the guaranty agency (the organization that administers the FFEL Program in your state) to help reduce the cost of your loans. Direct LoanUnder the direct loan program, the funds for your loan come directly from the federal government and you will need to repay your Direct Loan to the U.S. Department of Education’s Direct Loan Servicing Center. Like the FFEL loan, you will pay a fee of up to 4 % of the loan. For a direct Stafford Loan, the entire fee goes to the government to help reduce the cost of the loans. PLUS Loans (Parent Loans)Parents can borrow a PLUS Loan to help pay your education expenses if you are a dependent undergraduate student enrolled at least half time in an eligible program at an eligible school. PLUS Loans are available through the Federal Family Education Loan (FFEL) Program and the Direct Loan Program. Your parents can get either loan, but not both, for you during the same enrolment period. They must also have an acceptable credit history.For a Direct PLUS Loan, your parents must complete a Direct PLUS Loan application and promissory note, contained in a single form that you get from your school’s financial aid office.For a FFEL PLUS Loan, your parents must complete and submit a PLUS Loan application available from your school, lender, or your state guaranty agency. After the school completes its portion of the application, it must be sent to a lender for evaluation. What are the different kinds of scholarships?Scholarships are awarded on a broad-base of criteria, the most common being academic merit. Many scholarships carry conditions besides academic merit, such as financial need, affiliation with a group-, leadership, athletic talent, artistic or musical ability etc. Some scholarships are awarded by the college itself, often called MERIT AID. Other scholarships are awarded by outside sponsors. For some scholarships, you need to be nominated. For most of them, you apply directly to a sponsor. Because there are so many different types of scholarships, you should check directly with your financial aid office at your college. Can I apply for a grant, a loan and a scholarship at the same time? Yes. You can team up different types of financial aid or simply have one kind. Nevertheless, some types of financial aid are contingent on others. For example, you can only receive an Academic Competitive Grant or a Federal Supplemental Educational Opportunity Grant if you have received a Pell Grant. While you cannot team up a FFEL loan with a direct loan, you may be eligible to receive a subsidized loan (in which the interest is paid by the government) and an unsubsidized loan (in which you are responsible for the interest) at the same time. You can also combine grants with loans and scholarships, so it never hurts to try to get as many different varieties of aid as possible! What is the Federal Work Study Program?The Federal Work-Study Program (FWS) is a campus-based program that provides part-time jobs for undergraduate and graduate students with financial need, that allows them to earn money to help pay education expenses. The program encourages community service work and work related to the recipient’s course of study. How often should I apply for financial aid?You will need to apply for financial aid each year. Even if you did not qualify this year, you should reapply next year since financial circumstances can change. The number of family members in college, for example can have a big impact on your eligibility for financial aid. If you submitted a FAFSA during the previous year, you may be able to complete the shorter Renewal FAFSA form instead. The renewal FAFSA will be mailed to your home. The renewal FAFSA preprints most of your answers from the previous year’s FAFSA. Verify that the old responses are still accurate and provide corrections or new answers where appropriate. If you don’t receive a renewal FAFSA by February 15, fill out a new FAFSA form. How do I know whether I am eligible for financial aid?

Don’t assume that you will not qualify for financial aid. Nearly all U.S. citizens or eligible non-citizens enrolled at least half the time are now eligible for some form of financial aid. Even if you don’t qualify for a grant, free college info is still available, and you may still be eligible for other forms of financial assistance. Many families don’t apply for financial aid, because they believe that they earn too much money. However, you don’t need to be from a low-income family to receive financial aid. Some loans and scholarships are available regardless of need. Many factors are used to determine your eligibility for financial aid and there is no simple cut-off base on

CampusCompare facilitates the college search and selection process by providing free information, student college reviews, and interactive media, connecting students to over 3000 colleges. Its helpful tools include the “What Are My Chances” tool and the Financial Aid Calculator to help students in the “match me with a college” process.

First Aid – Nose bleed
Video Rating: 4 / 5

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How to Take Care of your Hearing Aid

In order to better understand how to care for your hearing aid, you need to understand how they work. Even though hearing aids differ with special features, technology level, volume controls, amplication, design, and size, they all have the same basic components. All Hearing Aids regardless of style have a microphone, amplifier, receiver, and a battery.

There are several different styles of hearing aids with their own design and comfort. Some of the different styles of hearing aids are the in-the-canal hearing aid, the in-the-ear hearing aid and the behind-the-ear hearing aid. You will also find a few other hearings aids that have a specific purpose such as bone conductive hearing aids (BAHA) for those who do not have an outer ear or ear canal and the hearing aid that moves the sound from one ear to the other ear. Custom-made hearing aids can even be built into eyeglasses for convenience and comfort.

There are three basic types of technology used in hearing aids: The conventional hearing aid, the analog hearing aid, and the digital hearing aid. Almost all hearing aid users find that digital hearing aids are far superior to any other type of hearing aid. Some hearing aids have special features such as a telephone switch (T-coil) for switching between normal hearing and talking or listening on a telephone. Most T-coils today are automatic and can sense when a telephone is placed near the ear. Directional microphones are a new feature that enable you to pick up sounds in front of you while automatically reducing sounds from behind you to help with conversations in noisy places such as restaurants.

Keeping the hearing aid clean is the number one thing you can do to ensure that it lasts a long time and works properly. To protect your new investment, I highly recommend buying a Dri Aid kit. Hearings aids are just like any other electronic device: they need to stay dry! If the sensitive digital equipment inside the hearing aid gets wet, it wont work anymore. With Dri Aid kit, you can you extract moisture out of the hearing aid by keeping it in a pouch or canister while you sleep at night. The desiccant materials in the container absorb the moisture that has entered the hearing aid through daily use.

To clean the hearing aid, you will need a brush and wire loop and a Kleenex. The hearing aid should have come with a brush and a wire loop, but if not, you can use an old toothbrush (just make sure it is clean and dry). You need to wipe off the part of the hearing aid that fits into the ear canal very gently with a Kleenex and use the brush or wire pick to remove any earwax that may be found by the opening of the hearing aid that fits into the ear. Make sure you open the door to the battery and turn off the hearing aid before putting it in the case for the night.

If you have a behind the ear hearing aid, you can gently and carefully wash the earmold with warm water and a mild soap. Be very careful not to saturate the hearing aid with water or soap. The tubing on this type of hearing aid does need to be replaced every three or four months. Changing this tube is important because it will become hard and will not amplify sound as well. You should never use alcohol or any other solvent to clean the hearing aids. There are sprays that are specially made to clean hearing aids and they do not breakdown the materials used to make the hearing aid.

Some simple tips to remember when cleaning your hearing aids are not to drop it on a hard surface. Do not expose the hearing aid to direct heat and do not get the hearing aid wet. Also keep in mind that pets LOVE to chew on small shiny objects. Keep them out of their reach! If you remember these tips and keep your hearing aid clean, you hearing aid should last you for a very long time.

Kelly C. Calkins, AuD., has practiced audiology for over 20 years. For more information about hearing aids or to find the nearest hearing aid professional to you, call us today at 877-777-1710 or visit our website at http://www.aidright.com

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Belmont Cragin among several communities cut off from federal aid to combat increase in filings Belmont Cragin among several communities cut off from federal aid to combat increase in filings .
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