Archives for 2008

Back to College: Financial Aid, Part 1

Money is often the deciding factor when it comes to what school we choose to attend or if we choose to attend at all, and long after the diploma is in hand, the financial burden is still felt.

While I’m not an expert of student loans and financing, I have learned a few lessons about student loans and aid, and as I am currently paying back a student loan myself (and will begin to start paying my husband’s very soon as well), I can tell you that I wish I knew then what I know now about student loans.

So here are a few tips and basic info I’ve come up with:

  • If possible, begin saving for your child’s tuition as soon as you can. Find a pre-paid college tuition program. (In which you put back a certain amount of money each month.) Or invest a little money in bonds or cds early on in your child’s life, or at the very least start your child a savings account. (small deposits can add up)
  • Every college student is required to fill out financial aid application. (aka FAFSA)
  • Shortly after filling out your application, you’ll get a “reward letter.” If you receive a grant, you should definitely accept it, as this means that you will not have to pay the money back. But before you accept a loan, you should review how much money you actually need for tuition, room/board, books, transportation, etc. More than likely you will be “rewarded” more money than you actually need. If you don’t need all the money they want to loan you, don’t accept the loan. Instead except a reduced amount. (though if you are on a fixed income, the extra money may be of great help to you, so just use your best judgement.)
  • A few months before your first semester you need to talk to the people in charge of financial aid at your school to find out what the procedure is for paying tuition. Where I went to school, you had to pay tuition out of pocket, and the financial aid would later be disbursed to you. However, at the school where my husband currently goes, his tuition is subtracted from his financial aid total, which means he doesn’t have to have the money ahead of time. (very valuable information to have)
  • Also, when you receive you’re reward letter, don’t forget to turn it in to your school’s financial aid department, and make certain that the person you give it to does something with it. If you’re reward letter is not signed, turned in, and processed you will not get your aid money on time (if at all). I ran in to this problem myself when the person I handed my reward letter to failed to deliver it to the proper person for processing.
  • If you mail in tuition money and/or reward letters, it is a good idea to call about a week later to confirm that it was received and processed into their system. If for some reason there is a glitch or an oversight, and you don’t take care of it before the start of semester, then you will have a big headache on your first day.
  • And this is important tip: If possible, avoid getting the loan through the government & the school at all! Instead shop around for a private loan with a competitive interest rate. And when you get your school’s reward letter, just decline the loan. More on this, on the next post.
  • Adding to my last point which I will expound upon in the next post, I advise you to be especially careful if your school uses companies like Sallie Mae to process loans. If you have bad credit, and can’t get a loan from a bank, than these loans will obviously have to suffice, however, they carry a very high interest rate, and if you ever miss payments or want to stop/postpone payments, you have to pay penalties which can cost you a lot of money.
  • While in school, you will be getting notices about paying interest early. If you are able to do this, I’d advise paying. But you don’t have to. And before deciding on whether to pay or not, you need to look over your loan documents to make sure that the interest will not be compounded at the end of the year.
  • After graduation, if you’re on a fixed income or don’t yet have a well paying job to help you make the payments, postpone your payments for as long as you can. Once you start making the payments, it’s hard to stop. However, be aware that the interest on your loan will continue to accumulate, and at the very least you should try to pay this every quarter.

Next time, more on the positives and negatives of getting a loan through your school


Back to College: Deciding Where to Go

Things to Think About When Choosing a College:

For many the first two on the list are the most important, but don’t underestimate these other factors.

  • Location
  • Cost of tuition
  • Cost of room/board (if living away from home)
  • Programs/courses offered
  • Teachers/Faculty (a lot more important than you may think)
  • Social atmosphere of the campus

After taking cost and location into account, it’s very important to do your own research and really get informed about the colleges you are thinking about attending (or thinking about sending your kids too). Even if you are looking at community colleges or universities in your immediate area, the decision should not be taken lightly.

  • Always visit the campus before deciding to attend a college.
  • Use the internet to read about the colleges you are looking at attending (but take their message with a grain of salt…go see the place and meet the people yourself. Remember the website is designed to make you want to go there.)
  • Talk to students that attend the school.
  • When you go for your scheduled campus tour, take the opportunity to meet professors working in the department that you’re most interested in.
  • And/Or contact “potential, future” professors by phone/email and let them know you’re interested in their program. It’s very important to find out about your instructors ahead of time, to find out about their classes, and their perspective on the subjects they teach, and their teaching philosophy.
  • Read department newsletters and school newspapers to find out what kind of cultural events are held at the school. (plays, exhibitions, guest speakers, ) While this may not seem important, it is because it can tell you a lot about the school’s political leaning and agenda.
  • Also, when finding out about the college, you should find about about work study programs and inquire about student organization and the overall campus environment.
  • Prospective students should also consider attending a class or two to find out what the classroom environment is like. (or you can sign up to audit a class for a semester)

Why This is Important to Me

It may seem kind of silly that I devoted an entire post to “deciding where to go to college,” and really in some cases it’s just a no brainer that you would find out about a college before you go there. On the other hand, I know that a lot of people (myself included) attend a college because it’s affordable and nearby. But I wanted to write this post as a word of caution to some.

And here’s why: My husband and I went to college together, and he’s currently in graduate school. My husband has loved the subject of literature for his entire life. He is very passionate about it! Before he began attending grad school, he looked over the website of the college he currently attends, and it sounded like it would be a good fit for him. Unfortunately for him, he was never more wrong. He’s taking the last of his classes right now, and all he has left is to write his thesis, but his love for the subject….his fire and flair, has fizzled out dramatically.

He began with thirst for knowledge, and he’s leaving with a bad taste in his mouth. This college, like many, is filled with teachers that bring their political beliefs in to the classroom, and they are very indifferent and even hostile to students who believe differently. And aside from that, they’ve taken a subject that my husband loves and changed it completely, focusing not on works of literature themselves, but on what’s missing in the works and focusing more what critics say about the works, and they completely lack objectivity.

I could go on longer, but for the sake of trying to keep this post as short as possible, I’ll just leave it there. But if you have any questions or would like to know more about this, you can contact me and I’ll be glad to answer your questions.


Back to College: The Importance of Planning

As part of the goal of Simply Sweet Home, I like to give out information not just on recipes and housekeeping but on other topics that are relevant to families. Several years ago I was starting college. Neither my parents nor my brother went to college, so it was a new thing for my family. And even though we had other relatives to get advice from, for the most part we were just feeling our way through it and really had no clue about what was going on. And if I had known what I know now, I would have done things differently and had a much better/different college experience. (Not that my experience was bad, but you know what I mean.)

So I decided to do this series on college issues, mainly to help those who have no experience themselves with college. Whether you’re sending kids to college, or you, yourself, are going to college, there’s a lot of stuff to know in terms of planning to get started and handling things once you get there, which can help to save you money and help you in your overall college experience and career.

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My husband suggested that to begin, I should focus on the importance of planning. Planning is a key that cannot be stressed enough. Other than choosing a spouse and a career, choosing a college is one of the most important things you can do in your life, and after starting at the college, ultimately the major you choose and the courses (and teachers) you choose will impact you in one way or another. And for this reason you should really think on this a while before making any decisions. (more on that in a later post)

But also, a lack of planning means that you will spend more money in the long run. Whether you’re deciding where to go, registering for classes, looking at financial aid options, deciding where to live while in school, or even purchasing text books, a lack of planning will cost you.

Even if your kids are young, it is never to early to start thinking about college. When I was younger, my dad looked in to doing a pre-paid college program, but my mom didn’t want to do it, and this cost us. Aside from financial planning, it is a good idea to start planning and preparing kids for college by making sure that they enroll in high school courses which will help them in their college career. Even if you’re child is going to a community college or a college without strict admissions requirements, taking courses like advanced math & science and honors English & history, will help them when they get to college and have to take these difficult courses.

Also, starting in the 9th grade, your child should go and visit the guidance counselor every semester so that they can be sure and stay on track, in terms of researching colleges, preparing to register for the courses in high school that will best help them later on, registering for ACT and other college placement exams, and sending off college admissions forms and scholarship forms. It’s also not a bad idea to get the phone number of the guidance counselor and talk to them yourself, or schedule a meeting with them each semester to make sure that you’re doing everything to get your child ready. The guidance counselor is there to help you…it’s their job! (and they should also be more than happy to help, because when they are up for a raise or looking for another job in the future, they take credit for all the scholarships and etc. that they “help” people to get.)

You should also carefully plan your class schedules. Usually colleges post a tentative schedule for the next few semesters for planning purposes. If future schedules are not posted then you can speak with professors to find out when certain classes will be offered. This is very important because some classes are offered every semester, while others are only offered once a year (or less than that). It’s very important to know when classes will be offered in the future to make sure that you don’t miss out on a class, which would cost you more time and money in the long run. Schedule planning is especially important if you plan to transfer to another college.

Planning can save you a lot of time and money and it will keep you from backing yourself into a corner and being trapped in a college or a program that you aren’t happy with. And if do decide to change colleges or majors it will be much easier for you to come up with a new plan for yourself


Menu Plan Monday for July 14

First off, a little “programming” note: as the “Back to School” season will soon be in full swing, I’m planning a big series of posts on college stuff, including a few posts on college text books, and some general posts on financial aid, registration, and etc. So if you have a kid who’s about to enter college in the next few years, or you know some else who’s child is going off to college, you might want to come by and check out those posts in the next few weeks.

And now here’s this week’s menu.

Monday – Zesty Italian Chicken w/ corn & steamed veggies
Tuesday – Creamy Ranch Pork Chops & Rice
Wednesday – Ham Steak, Mac & Cheese, Black Eyed Peas
Thursday – Leftover Buffet
Friday – Eat out
Saturday – Sloppy Joes & french fries
Sunday – Red Beans & Rice w/ corn & rolls

Visit I’m an Organizing Junkie to view other great menus and recipes.

Summer Safety: Sunburn Remedies

As as kid, I got sunburned a lot. I was–ahem, am– very fair complected, and some of the times even Water Babies couldn’t save me. But as an adult I’ve learned to be more careful and reapply my sunscreen, but sometimes in the name trying to get a tan, I still little burned. After going to the beach several weeks ago, I looked up some sun burn cures/remedies on the net, and I thought I’d share some of these with you. I wish I’d had these years ago!

Showers – Right after coming in from the sun, take a warm to hot shower (before it actually starts burning. The hot water can help to open your pores, draw the heat out of your skin, and can help to ease the burn before it starts.
And after your skin actually starts to “burn”, take cool showers (at least 2 a day) to moisturize the skin and ease pain & itching.

Aloe – One of the most popular cures for sunburn. Use actual aloe leaves, or buy it in a bottle at the store. Apply several times a day to keep skin moist.
After-Sun Lotion – I use Banana Boat Moisturizing After Sun Lotion. It contains aloe & vitamin E. It’s designed to keep your skin moisturized and “extend” your tan.
Apple cider vinegar (or white vinegar) – Apply apple cider vinegar to the burn with a cottonball, or make a compress. This remedy should prevent peeling. **A few weeks ago, after a day at the beach I tried this one myself. I was unsure of the immediate effects of it, but I can tell you that I didn’t peel–and my skin was burned worse than a previous beach trip where I did peel, so I think the ACV helped.)

Aspirin – this will relieve pain, reduce fever, and reduce inflammation. It should be taken within 24 hours of getting sunburned.

Ice packs – These can help to keep the skin cool & basically numb the skin. (very good, if you’re itching!)
Baking soda – Dissolve some baking soda in water and make a compress using a clean cloth or add baking soda to bath water. Let the skin dry on its own. This should also help to keep skin moisturized.

Oatmeal Pack – Place some instant oatmeal in a bowl. Place a small amount of water in the bowl, just enough to moisten the oatmeal. Take a damp cloth and dip out some of the oatmeal on to the cloth. Place it on the burn for 15-20 minutes. (I actually tried this one; I placed a towel on the couch, then laid the oatmeal pack on top of it, and laid with my back on the oatmeal pack. It immediately relieved my itching.)

Milk – Before taking a bath, make a compress of cool milk. Apply it to the skin and leave it on for 20 minutes. Then wash off. The fat content is said to help cool the burns but it shouldn’t clog your pores the way butter would.

Cucumbers – To soothe the burn, rub the sunburn with fresh cucumber slices.
Epsom salts – Dissolve epsom salts in water and make a compress using a clean cloth.

Potato -Grate a potato and apply it to the burned area to cool and soothe the burn.

Yogurt -apply plain yogurt with live cultures, let it stand for a few minutes, then rinse off under cool water.

Lavender – Mix 20-25 drops of lavender oil in one cup of water and bathe the sunburned area.

Lemon water – Mix the juice of three lemons into two cups of cold water and rub it on the burn with a rag or sponge. The lemon will cool the burn, act as a disinfectant, and will promote healing of the skin.


Recipe of the Week: Pina Colada Plus

For this week’s recipe, I chose a non-alcoholic Pina Colada drink from BHG. It’s fruity. It’s sweet and smooth. And it’ll help you beat the heat on a hot summer’s day! Yum!

1 8-ounce can crushed pineapple (juice pack), chilled
1 medium banana, cut up
3/4 cup soy milk
1/2 cup orange juice
2 tablespoons bottled or canned pina colada mix, chilled
Ice cubes (optional)
Directions
1. In a blender container combine the undrained pineapple, banana, soy milk, orange juice, and pina colada mix. Cover and blend until nearly smooth. If desired, serve over ice. Makes 2 servings.

Works For Me Wednesday: Remedies for Insect Bites & Stings

I decided to participate in W4MW again this week, and in keeping with my Summer Safety theme, I came up with a list of treatments for wasp, yellow jacket, and bee stings. Shortly after I met my husband, we were outside walking, and I got stung. I had told him before that I was allergic to wasps & bees. And in the days following the sting, he admitted to me that he had kinda thought I was exaggerating a bit about how allergic I was, that is, until he saw how badly swollen my foot got. When he saw that my foot was still swollen after 4 or 5 days, he swore he’d be taking me to the hospital if I ever got stung again…and looking back, that’s probably not a bad idea.

It’s funny…as I think about all my topics for this week’s posts, I’m reminded why I don’t like the outdoors…because every time I go out there, something happens to me!

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If you are highly allergic to wasp & bee stings, you should seek immediate medical attention. Don’t wait for the the sting to swell, etc. At the emergency room they will remove the stinger & will most likely give you a shot to prevent pain, swelling, and itching.

Otherwise you can take care of the stings yourself through a number of techniques and treatments. Here are some which I have used to provide relief:

If stung by a bee, you should remove the stinger as soon as possible. It is said that using a credit card for the removal of the stinger, rather than using tweezers is best, as to prevent the stinger from breaking and/or releasing more poison in to your body. But the most important thing is to remove it.

Shortly after being stung, use tobacco on the sting. Use chewing tobacco or tobacco out of a cigarette. Place a few drops of water on the tobacco and then place it on the sting. Cover with a bandage or gauze. It doesn’t feel good to have this one the sting. You’ll feel a little pressure and a pounding/pulsating feeling. But this method is very effective at preventing some of the pain and swelling.

Take an antihistamine, such as a Benadryl.

As with other injuries, you should wash the sting with soap and water.

Ice may used to relieve itching and pain.

Use creams such as Cortizone or Benadryl.

Also, try Campho Phenique. I’ve never personally tried this for a wasp/bee sting, but Campho Phenique works wonders on mosquito bites (more so than the other creams), and I imagine that it would work better on stings as well.

Use a pain reliever such as Advil or Tylenol for the pain.

Keep the sting elevated if possible. Elevation is very important; this prevents a lot of blood flow from going down to the area of the sting, and will help with pain and itching. And if stung on the foot, avoid walking if possible, as this will cause more pain and swelling. You should also avoid writing, typing, or doing other work with your hands, if you are stung on the hand.

Lightly rub the sting, Don’t Scratch!

What Has Worked for Others:
Here is a list of other items you can try. I’ve not used these personally, but on the around the internet, others have attested that these remedies work.

  • applying meat tenderizer
  • applying toothpaste
  • applying tobacco
  • applying chili paste
  • applying mint leaves
  • applying clay paste, and
  • applying a copper coin
  • applying hot water
  • applying lavender oil
  • baking soda
  • vinegar

To view other Works for Me Wednesday posts, visit Rocks in My Dryer.

Summer Safety: Heat Exhaustion & Heat Stroke

In planning for my posts for July & August, I’ve thought of a variety of topics having to do with safety. And since I try to make the posts relevant to the calendar and have the majority of the posts sort of build on one another or be on a common theme, I decided to make this week Summer Safety Week.

I’m starting with some information on heat stroke and heat exhaustion. As I child and as an adult, I’ve had heat exhaustion myself. As a kid, I wasn’t aware of what it was. But basically whenever I went outside for a long period of time, whether we were at a park, a ball game, minature golf, or just anywhere, I would suddenly become ill, and as a result we’d all have to go home. Even now, my husband and I go outside and play disc golf, and I have to be very careful about what I eat before we go, I can never go on an empty stomach, and I have to stay hydrated. And unless we go early in the morning or late in the afternoon, (after 5pm or later) I won’t be able to stay out for a long period of time without getting ill.

Luckily in the past I’ve come inside to rest before all the symptoms hit me, so I never actually had to go to the doctor, but a friend of my husband actually went to the hospital for this just last year. And with our humid climate and our heat index often being 100 degrees or higher in the middle of summer, we have a lot of heat exhaustion and heat stroke cases, some of which result in death. So it is definitely a topic to be informed about & to take seriously.

Who can get heat exhaustion or heat stroke? Anybody and everybody. But small children and the elderly are most likely to get it. And whenever you get it once, you are more susceptible to getting it again.

Symptoms:

Heat Exhaustion:
severe thirst
muscle weakness
nausea, sometimes vomiting
fast, shallow breathing
irritability
headache
increased sweating
cool, clammy skin
elevation of body temperature to more than 104 Fahrenheit (40 Celsius)

Heatstroke:
severe, throbbing headache
weakness, dizziness, or confusion
difficulty breathing
decreased responsiveness or loss of consciousness
may not be sweating
flushed, hot, dry skin
elevation of body temperature to 104 Fahrenheit (40 Celsius) or higher

Treatment:
Go indoors immediately. If you cannot go inside immediate have a seat in the shade.
If you are having heat exhaustion/stroke symptoms, don’t drive. And don’t let others who are experiencings the symptoms drive.
Take off clothing.
Lie down and elevate feet slightly.
Get into a bath of cool water or sponge yourself off. You may also apply cold rags or ice packs. In extreme cases, get in an ice bath.
If treating a child, place the child (if conscious) in a cool bath or sponge-bathe the child repeatedly. If outside, spray the child with mist from a garden hose.
Drink plenty of fluids. You should drink water, juice, or sports drinks. I also remember hearing that Pedialite was good because of the electrolytes it contains. (avoid drinks carbonated beverages, drinks containing caffiene, and alcohol.)
If you are treating a child who is vomiting, turn his or her body to the side to prevent choking.
Keep temperature monitored.
**If the person has a temperature of 104 degrees or higher, you could call 911 immediately. If you suspect the person has heat stroke, treat them while waiting for paramedics to arrive.

Prevention:
Avoid being out in the extreme heat, especially for an extended period of time.
Drink plenty of water and other fluids before going outside and while outside.
Wear clothing that is light in color and loose fitting. Wear hats.
If outside, stay in shaded areas.
Stay in an Air-Conditioned Environment if possible.
If you’re home isn’t air conditioned, go somewhere that is, and if you have air conditioning turn it on! (last year a woman in our area died from heat stroke in her home. She had air conditioning, but she didn’t have it on b/c she didn’t want her electric bill to go up.)
If you have an elderly relative, friend, or neighbor, check on them frequently, and make sure they are keeping their home cool and avoiding the heat.
Do all yard work in the early morning or at the very end of the day (after 5 pm) to avoid getting over heated.
If you work in the heat, take breaks often, and go inside for your breaks if possible.
Avoid running, bike riding, and other strenuous exercise in the middle of the day.
If outside in the middle of the day, pace yourself to preserve your energy. (Don’t run when you can walk. Etc.)
Eat small meals, and eat frequently. Avoid eating foods high in protein, as this increases Metabolic Heat and increases Water Loss.
**At first sign of any of the symptoms of heat exhaustion, get out of the heat immediately. Don’t try to wait it out. If you are outside with anyone else, let them know what is going on so that they can treat you if necessary.

New Poll: What is your favorite topic?

For the past week, I’ve been doing some planning and organizing for the future of the blog.

Among other things, I’ve decided to try and be a little more interactive with the polls. For starters, I’ve moved the poll to the topic right of the screen so that it is more visable to new visitors. Secondly, I plan to change the question more often than I have in the past. And in some cases, your responses to the polls will have an affect on the content of the blog. The question that’s currently posted is an example of that.

I actually posted this question a few weeks back, but I wanted to edit it, and it won’t let you edit it once someone has voted, so I removed it and re-added it. So if you’ve already voted, then you should vote again because your response was erased.

The question is: What is your favorite topic? (On this blog or on blogs in general, what do you like to read about?)

The answer choices are as follows:
Recipes
Organizing
Saving Money
Crafts
Housekeeping
Home Decor

I picked these answer choices, because I think of these as the core subjects of Simply Sweet Home. But obviously some of these subjects are featured more than others, and sometimes I wonder, what do people really think of my topics? Do they even like crafts and decor? What about the recipes, maybe they prefer less desserts and more casseroles….? Anyway, I’ll look over any answers that I get to the poll, and this will help me to decide if I want to do more posts on a particular topic.

Personally I love posting the recipes. I also love organizing & information about saving money (though I don’t post on these subjects as much), but I definitely want to focus more on these 2 in the future, and perhaps some of the others as well.

But I’d love to know what you think, so please vote in the poll. And if you have any specific ideas or suggestions, feel free to leave a comment.

Menu Plan Monday for July 7

It’s time once again for another Menu Plan Monday. How time flies! I can’t believe it’s July!

I had a little extra time today to spend on the post, and I’ve picked out a couple of favorites from my recipe binder to share with you. I’ve also included a couple of photos from previous fixings. In the future, my goal is to make more photos of my new dishes. I have several photos on file which I took months ago, but I just haven’t put those recipes on MPM yet. And I’ve flagged several new recipes to try in the future, but it always seems so much easier to go with the old faithfuls instead. But I will try to take photos whenever I make a new dish, and I’ll post them here. Hope you enjoy this week’s menu!
Monday – Au Gratin Chicken Bake (recipe below)
Tuesday – Red Beans & Rice w/ corn & crescent rolls
Wednesday – Easy Chicken & Dumplings (recipe & photo below)
Thursday – Leftover Buffet
Friday – SteakFajitas
Saturday – Baked fish w/ steamed veggies & long grain rice
Sunday – Cheesy Chicken, Bacon & Ranch Wraps (pictured below)
Au Gratin Chicken Bake
1 bag (14 oz) frozen broccoli forets, thawed & drained
1 box Betty Crocker Deluxe creamy Cheddar au gratin potatoes
2 cups of boiling water
2 tablespoons margarine or butter
1/2 cup milk
4 boneless skinless breast halfs
2 cheese sliced (halfed) or shredded cheese

1. Heat oven to 400. Spray 11×7 baking dish or 2 quart casserole with cooking spray.
2. Spread broccoli in baking dish. Stir potatoes, sauce mix, cheese sauce, boiling water and margarine in medium bowl. Stir in milk. Spread over broccoli. Place chicken breast halves on potato mixture.
3. Bake uncovered 30 minutes. Place cheese slices on chicken. Sprinkle with topping. Bake 3 to 5 minutes longer or until cheese is melted and juice of chicken is no longer pink when centers of thickest pieces are cut. Let stand 5 minutes or until sauce is as thick as desired.

Easy Chicken & Dumplings
(This started out as a noodle casserole, and it tasted just a chicken & dumpling recipe that someone I knew, used to make but this is a lot easier)

1 can Cream of Chicken Soup
1 can Cream of Mushroom Soup
1/2 cup milk
2 cans of white chicken (3/4 – 1 lb of cooked boneless chicken breast)
3 cups of egg noodles

Directions: Cook noodles according to package direction. When finished drain off water.
Mix milk soups, and chickens in a large cooking pot. Heat through. Then stir in noodles.

Here are the Easy Chicken & Dumplins with a side of Black Eyed Peas. (yum!)

(Cheesy Chicken, Bacon & Ranch Wraps. I made these a while back and they were very good, if I do say so myself.)

For other delicious menus and recipes, please visit orgjunkie.com.